Employee Injury Coverage
Essential Safeguard for Your Team I prefer this response
Ensure the safety and well-being of your workforce with plumbing general liability insurance that includes comprehensive employee injury coverage. Whether you manage a small crew or a growing company, this essential policy helps cover medical expenses and other costs related to on-the-job injuries.
With tailored insurance solutions, you can operate your business confidently, knowing you’re protected from unexpected financial setbacks caused by workplace accidents.
What Is Workers Compensation Insurance?
Workers’ compensation insurance is a crucial policy that helps cover medical costs and lost wages for employees injured while on the job. It safeguards both your team and your business by providing financial support during workplace accidents, reducing the risk of costly legal claims.
As a business owner, creating a safe work environment is your priority—but accidents can still occur. Workers’ compensation ensures your employees get the care they need while helping your business stay protected and operational.
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What Does Workers Compensation Insurance Cover?
Workers compensation insurance provides a safety net for employees injured on the job. Here’s a breakdown of what this coverage typically includes:
Medical Expenses:
Pays for medical treatment if an employee is injured on the job. Example: An employee slips, falls, and requires hospitalization and rehab.
Wage Replacement
Compensates employees for income lost during recovery. Example: An employee is unable to work for six weeks following surgery.
Disability Benefits
Provides financial support for permanent work-related disabilities. Example: An employee suffers lasting limb damage and receives long-term aid.
Vocational Rehabilitation
Helps injured workers return to the workforce through retraining. Example: A worker is retrained for a new position that fits their physical capabilities.
Death Benefits
Offers financial assistance to the family of an employee who dies due to a job-related accident.
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How Much Does Workers Compensation Cost?
The type of plumbing work you perform will significantly impact the cost of your general liability insurance. Within your plumbing business, different roles carry different levels of risk. For instance, while licensed plumbers work directly on job sites and face hands-on hazards, your office staff or estimators have far less exposure to risk.
It’s important to accurately classify each role in your business. If all your payroll is incorrectly assigned to high-risk plumbing work, you could end up paying more than necessary for coverage. Proper classification ensures you’re not overpaying for jobs that pose minimal risk.
Several factors can affect the cost of your plumbing general liability insurance, including:
How long your plumbing business has been in operation
Your company’s safety and claims history
The state in which your business is based
Here’s a comparison of risk levels and potential insurance costs:
Office Employee – Low risk: typically around $0.30 per $100 of payroll
Artisan Contractors (including plumbers and painters) – Moderate risk: usually around $12 per $100 of payroll
High-Risk Contractors (like roofers) – Higher risk: averages about $30 per $100 of payroll
Why Do You Need Workers Compensation Insurance?
Workers’ compensation insurance is a vital safeguard for plumbing businesses, providing coverage for medical costs and lost wages if an employee is injured on the job. It not only helps your team recover without financial burden but also protects your business from costly claims.
In many states, carrying this insurance is legally required, ensuring you’re compliant and building trust with clients and employees alike. By securing workers’ compensation coverage, you show a strong commitment to safety and employee well-being—foundations that help your business grow with confidence.
Frequently Asked Questions
No, injuries occurring outside of work hours or during personal activities are not covered.
No, injuries inflicted deliberately by an employee are excluded from coverage.
No, injuries sustained while committing illegal acts are not covered by workers compensation insurance.
Typically, no. General Liability policies usually do not cover punitive damages, which are fines imposed by the court to punish intentional misconduct.
Intentional acts, such as an employee purposely damaging a client’s property, are not covered by General Liability Insurance. These are excluded because they are not accidental.
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